Electronic banking is
the new trend significantly adopted by banking sector worldwide due to its
wider scope for the customers as well as banks at large. It has potential to
hold great promises for bankers to grab huge business opportunities. In the
present study, the diverse literature available worldwide on the adoption and
diffusion of e banking has been explored to identify the significant constructs
which enable innovation to diffuse among the customers and ultimately lead to
its adoption. Its main purpose is to understand the trend of various research
aspects prevailing in the field of banking and related to the adoption of
innovative services by customers. In order to review the relevant literature,
research papers have been collected from the referred journals related to
innovation, marketing and banking. Qualitative approaches have been used in
order to analyse and compare the main findings as well as applicability of the
research papers. Hence, using an interpretative and critical approach through
content analysis of the studies reviewed, the important measures viz. Research
Methodology, Sample size, Respondents’ profile, Model applied and Significant
Constructs have been taken into account for further inquiry. This study builds
up a strong conceptual framework for the researchers by thoroughly analyzing the
empirical studies of last 11 years i.e. from 1999 to 2009 which further links
the consumers’ perceptions and orientation to practical implications. Keywords:
Adoption and Diffusion Models, Electronic banking, Technology, Literature
Review, Content Analysis.
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